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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Contacted By Debt Collectors Know Your Rights

Contacted By Debt Collectors Know Your RightsA report by the Consumer Financial Protection Bureau found consumers feel threatened by collectors. Nearly half of people contacted by a collector made a formal request not to be contacted again. 75% of those requests were not granted. No one should be ignored. If you are contacted by debt collectors know your rights. Knowing your rights can be the difference in harassment and a peaceful resolution.

Contacted By Debt Collectors Know Your Rights

First, it is important you know the rules debt collectors are supposed to follow. The most obvious are when the collector can contact you. Collectors are not allowed to call you before 8 in the morning or after 9 at night. Any calls outside of this time means you can file a complaint.

Even if a collector does call you within this time frame you can ask them to stop. Ask the collector for their mailing address and mail a letter to the agency. You want to make it clear in your letter you do not wish to be contacted again.

It is important to know that if you ask them to stop calling, it doesn’t mean your debts are resolved. You should also ask for the company to verify the debt.  This means that the company must provide you proof of your debt balance and name of original creditor within 30 days. If they fail to provide this information or violate the no-contact request you can file a complaint.

If the company verifies your debt you must take action to resolve it. Ignoring a verified debt is going to damage your credit and can even prevent future loans.

Other grounds for filing a complaint are:

  • uses of threats of violence or harm
  • publishing your information as a shame tactic
  • using obscene or profane language
  • making false statements about who they are
  • making false statements about your debts
  • threatening wage garnishment or asset seizure
  • calling you a criminal or threatening jail time
  • attempts to charge you interest or penalty fees

If you are contacted by debt collectors know your rights. Contact a Fairfield bankruptcy lawyer. We will review your debt relief options and stop credit collections.

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